Yeah, I guess that could work since I usually don't log in to my business accounts from anywhere else but my own computer, so even if it needs a bit of configuration it's not that bad.
Just an idea, is there any USB device class that could be used to get the date and time? such that if you configure the SC4 to work with TOTP, when you plug it in a USB driver is installed that allows it to query the date and time?